Working under Joker directly is dangerous, but working alongside his crew to pull off a big job can work out. Joker can be pretty reliable if his teammates show him respect. Joker would love to do a job against Trump or Musk.
Are there forms of joker that don't kill their henchmen on whims and for laughs?
Something I would note here, mostly this is only covering the "would the boss kill you directly". which is also kind of missing the second danger, IE even if there's a boss that would never personally kill you, certainly you also have to factor in the fact that any boss will throw you on the front lines of a war, throw you under the bus so the police are busy arresting you while they get away etc...
In a world without regulation etc... maybe. Bottom line we've given payment processors power. Bottom line we need to buy things in the digital world, unless crypto can actually be stabilized or designed in a way that doesn't require an unsustainable massive energy waste and polution to use.
There either needs to be a universal good as cash payment processor that anyone can easily use... or we need to force ones that exist to transfer payments without bias.